Phone using digital wallet

Digital wallet for The Bank of Tioga card users is here

June 7, 2021

A few of our clients already use digital wallets for credit cards and have been waiting anxiously to add their The Bank of Tioga debit card. Here is how this payment works, their security and how to get started!

What’s a Payment Token?

When we use our debit or credit cards via a payment app, a payment token is created. A payment token is a substitute number used in place of the full 16 digit debit card number (PAN). Tokenization is the process of replacing the real PAN with a unique substitute value called a token PAN. This token PAN can range from 13-19 digits and is useless to hackers. We know this is pretty dry but here's another way to look at it. Tokenization is the process of creating a fake name or pseudonym for your payment information to protect its identity. Imagine your debit card is in the witness protection program and the FBI gives it a fake name and moves it to Florida.

That’s great… but is it safe?

A common question we hear is whether digital wallets are safe and secure. Some of the benefits of tokenization include improved security and reduced risk of compromise because your real PAN is never captured by the merchant. This leads to reduced risk of fraud from counterfeit cards and in digital channels (online purchases). The Bank of Tioga and our debit card network, Shazam, monitor tokenization closely and will send out notifications when we notice a client has either successfully added their debit card to a payment app or was placed in an inactive or decline status for any reason. If you have registered your debit cards in the Brella app, you will also receive a message about recent card activity (tokenization) and will be provided with a phone number to call if this was not you who initiated the process. Always use a PIN or other method on your mobile device for security and monitor your account closely using our iPhone or Android mobile app and the Brella app on iPhone or Android.

I’m in! How do I start?

You may be asking yourself, “how do I begin this new digital adventure?” We encourage you to call The Bank of Tioga to make sure your contact information is up to date including your mailing address and phone numbers. The payment apps use the information stored at The Bank of Tioga for verification purposes and this information cannot be changed in the payment app for security purposes. Supply us with your home/mobile phone number and designate a primary contact. Next, depending on your mobile device, set up Apple Pay, download Samsung Pay or Google Pay and begin the process of adding a card. If your contact information is recent, your card has prior activity and there are no other red flags, it's likely your card will be added.  

To get started, make sure you:

  1. Call The Bank of Tioga to confirm your contact information is correct
  2. Download the proper app
  3. Connect your card
  4. If you are unable to connect your card immediately, call the number provided

Before leaving the house with only your phone in your pocket, make sure the stores you plan to shop at accept your payment app. You can ask at the store but many have the payment symbols on their registers including the more generic symbol below or the branded Apple Pay, Google Pay or Samsung Pay symbols.

Enjoy the leaving the house with just your phone and ease of mind! Contact your banker or call us at  1.701.664.3388 (Tioga) or 1.701.965.6333 (Crosby) to get started.

At The Bank of Tioga, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at The Bank of Tioga. The Bank of Tioga has two locations in North Dakota. For more information visit or call 701.664.3388 for Tioga or 701.965.6333 for Crosby.